The Lead & Compliance Engine for Medicare agencies

Compliance-checked growth for Medicare agencies.

You spend real money on turning-65 traffic. AEPEngine builds the machinery around it — lead funnels with consent capture baked in, marketing content checked against live CMS rules, and inbox automation your agents actually use — so you can scale spend and headcount without scaling exposure.

No forms, no scheduling software, no drip sequence. Email us your agency name and a link to a live ad — you get a written findings report back. That's the whole transaction.

From our audit desk · July 2026
5 of 5

We reviewed five agencies running turning-65 ads. All five had a defective TPMO disclaimer — missing entirely on three, outdated wording on two.

3disclaimer absent
2stale wording

The wedge

A 10-minute audit of the ad you're running right now.

Not a discovery call. Not a demo. We take one live ad and its landing page, run them against the current CMS marketing rules, and send you a short written report of what we find.

What you get: a findings report — five items at most, led by whatever carries the most exposure, each one quoting your actual copy and citing the rule it touches. Plus what's clean, because that matters too.

What we won't do: pad it into a pitch deck. The report closes with one sentence offering a walkthrough. If the findings aren't worth fifteen minutes of your time, delete the email.

  1. TPMO disclaimer — present, and current The third-party marketing disclaimer CMS requires on your pages and ads. The wording has changed more than once; a 2023 version on a 2026 page is the single most common miss in the field. 42 CFR §422.2267(e)(41)
  2. Medicare name, card imagery & government trade-dress Card images require CMS authorization. Official-looking seals, fonts, and layouts that imply government endorsement are the second most common finding we see.
  3. Consent at the lead form Express-written-consent language, who it names, how it's captured, and whether a durable record exists. CMS's one-to-one consent rule for sharing beneficiary data between TPMOs survived the 2025 TCPA rollback — many multi-buyer forms are still built for rules that no longer apply.
  4. Inducements — meals, gifts, cash Dinner seminars, gift cards, and "$0 premium" framing each have specific limits. We check the offer itself, not just the fine print.
  5. Marketing-name identification Does the ad say who is actually marketing? Generic "Medicare help" pages with no identifiable entity are an enforcement magnet.
The engine

Four modules. Built around your CRM, not inside it.

Most agencies start with the first two — the lead funnel and the compliance layer — and add the rest as they scale headcount.

Module 01 · Spearhead

Lead Engine

A branded, cloud-hosted funnel that never depends on your office being online — with compliance designed in from the first click.

  • TCPA consent capture baked in: exact text shown, timestamp, and source recorded per lead
  • Bot protection on every submission
  • Webhook delivery into your CRM with round-robin assignment
  • Speed-to-lead first touch, so the consent you captured gets used while it's warm
Module 02 · Spearhead

Compliance Content

Marketing content in your agency's voice — AEP, ANOC, OEP, newsletters, posts — each piece run through a pre-publish compliance pass against the rules as they stand today.

  • Findings surfaced for your counsel or FMO — advisory, never a rubber stamp
Module 03 · Expansion

Inbox Triage

Inbound email classified and drafted for reply, staged for one-click agent review. Lives in Gmail, works with any CRM, keeps a human on every send.

Module 04 · Expansion

Site & Content Ops

Ongoing site updates and a blog written in the owner's voice — the quiet, compounding work that most agencies never get around to because nobody owns it. We own it.

Why "around your CRM" matters: the dominant Medicare CRMs don't offer public APIs. Tools that promise deep integration can't deliver it here. AEPEngine is deliberately CRM-agnostic — the funnel delivers by webhook, content lives in your channels, triage lives in Gmail. If you ever switch CRMs, the engine comes with you.

Why trust the check

"Current rules" is a claim. We verify it by machine.

Every compliance rule we check against cites its section of the federal Medicare marketing regulations — 42 CFR Part 422, Subpart V. That subpart changes, and when it changes quietly, stale checklists keep passing ads that no longer comply.

So our ruleset is machine-monitored against the eCFR — the government's live regulation database. An automated weekly job compares every cited section against the current text, and watches the rest of the marketing subpart for amendments we don't codify yet. Any change raises an alert; ambiguity fails closed to an alert too.

When your audit report says "checked against current rules as of this date," that line is backed by a monitoring job, not somebody's memory.

$ ruleset-freshness --subpart V --week 2026-28
──────────────────────────────────────────
comparing 16 cited sections against eCFR …
  §422.2260 definitions ……………… match
  §422.2262 review & distribution … match
  §422.2267(e)(41) TPMO text ……… match
  §422.2274 agent compensation …… match
  … 12 more ………………………………… match
watching uncited Subpart V sections … no amendments
──────────────────────────────────────────
status: FRESH · next check in 7 days
any drift → alert. ambiguity → alert.

Who it's for

Built for the agency that's already spending.

AEPEngine is for agency principals — the people who own the ad account, the E&O policy, and the downside.

You buy paid leads or run paid traffic.Facebook, Google, streaming — real money, every month. Your constraint is conversion and compliance risk, not tool budget.
You're hiring and scaling agents.Every new LOA agent multiplies your marketing surface — and your exposure. The machinery has to scale with headcount.
AEP owns your calendar.October 15 arrives whether you're ready or not. The engine is built so the crunch is a season, not an emergency.
Nobody in-house is technical.You shouldn't need an engineer on payroll to have a funnel with a consent record and content that's been checked. That's the point of us.

Who it's not for: Medicare beneficiaries. AEPEngine sells to insurance agencies — we do not market plans, sell insurance, or work with consumers, and nothing on this site is directed at people shopping for coverage.

Start here

Send us one live ad. We'll tell you what a reviewer would see.

Your agency name, your state, and a link to an ad or landing page that's running right now. You'll get a written findings report — no charge, no call required, no follow-up sequence.

wes@aepengine.com

Audits are advisory technical reviews of public materials only — we review the ad and the page, never your clients or your book.